Muna
Meridian, MS · Charter 15108 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
$51.0MAssets
$37.0MLoans
$44.1MShares
$5.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 83% of credit unions under $1B in assets (rank 286 of 1723).
- Widest gap: return on equity trails 97% of credit unions under $1B in assets (rank 1676 of 1723).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.48%
Rank 1,674 of 1,724
Net Interest Margin
4.61%
Rank 286 of 1,723
Efficiency Ratio
108.43%
Rank 1,631 of 1,721
Equity / Assets
10.58%
Rank 1,214 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.48% | 0.25% | 0.67% | 1.13% | Beats 3% | 1,674 / 1,724 | | |
| Return on Equity | -14.03% | 1.95% | 5.34% | 8.54% | Beats 3% | 1,676 / 1,723 | | |
| Net Interest Margin | 4.61% | 3.03% | 3.61% | 4.27% | Beats 83% | 286 / 1,723 | | |
| Efficiency Ratio | 108.43% | 69.84% | 78.36% | 87.50% | Beats 5% | 1,631 / 1,721 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.54% | 0.28% | 0.70% | 1.38% | Beats 22% | 1,342 / 1,721 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.58% | 10.16% | 12.41% | 16.03% | Beats 30% | 1,215 / 1,724 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.58% | 10.15% | 12.41% | 16.03% | Beats 30% | 1,214 / 1,723 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.86% | 55.95% | 72.66% | 85.34% | 72nd pctl | 477 / 1,722 | | |
| Loans / Assets | 72.47% | 47.91% | 62.00% | 72.82% | 74th pctl | 444 / 1,723 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |